Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting California

Wells Fargo Home Mortgage sold my home loan without disclosing that they were selling it as required by California State Law. In addition, I missed a payment several years ago that I could have made if I Wells Fargo had informed me I could use my impound account to make that payment. They intentionally kept that information from me in an attempt to foreclose on my house because I had a large amount of equity established in the property. I met with them at a loan modification meeting arranged by them some time later, and asked them to take the - payment I missed and put it on the back of my loan. They refused my request for a loan modification by stating that I was not eligible for that process. They charged me for an appraisal however that they never told me they were ordering and added the charge at the close of my escrow in -. At the close of my escrow recently, Wells Fargo collected - for alleged late payment fees, but refunded the money a few weeks after close of escrow. They explained in a letter that they had collected the late fees in violation of


reporting - thirty date late '' payments on my previous mortgage with them. That reporting has destroyed my credit score, and is preventing me from obtaining a mortgage now. So Wells Fargo intentionally withheld information that would have prevented me from missing the - payment I missed in the - years I had a mortgage with them. They refused to help by modifying my loan. They sold my loan without advising me, which violated state law. Then they report - - day late '' payments on my mortgage when they never charged me a late fee. When I ask them to correct their reporting they refuse and added a statement to the reporting which further damages my credit score. This is the worst example of Banking Industry misconduct that I have ever seen. Wells Fargo did whatever it wanted to do without regard for law or human decency. They started off by trying to steal my house, and when that did n't work they punished me by trying to ruin my life.